• Introduction
• How to Invest
• Costs and Charges
• Other GuardBank Unit Trusts

This fund, established in 1994 is a "general equity fund" with objectives similar to those of the GuardBank Growth Fund. Investments are carefully selected mainly from the full range of blue-chip shares quoted in all sectors of the Johannesburg Stock Exchange. These range from mining to manufacturing; from banks and insurance companies to wholesalers and retailers, to mention just a few.

Investment strategy will always aim to achieve a balance between growth, income and stability.

Income is declared half-yearly - at the end of June and at the end of December.

It�s easy to invest! Investors can invest in the Prosperity Fund by means of a monthly debit order or a lump sum investment or both. Just R500 is required if you are investing a lump sum or only R100 if you are investing monthly.

Payment for lump sum investments into the Prosperity Fund can be made by:

• Cheque or Cash Deposit at any Branch of First National Bank
• Credit Transfer from any Bank
• Cheque through the post
• Video Bank
• Cash or Cheque at any of the GuardBank Offices

The investor pays for the value of the underlying investments as determined on the Johannesburg Stock Exchange on the day the investment is made PLUS some charges:

• Compulsory Charges

  These consists of Marketable Securities Tax, Stamp Duty, Brokerage and VAT. A combined maximum of 2% on entry and 0.85% on exit is levied on the equity portion of the portfolio only.

• Initial Charges

  The selling price of GuardBank Prosperity Fund units includes and initial charge, based on a sliding scale. This sliding scale is set at a maximum of 5%.

• Service Charges

  A service charge of 1/12th of 1% (exclusive of VAT) is currently levied on the market value of the GuardBank Prosperity Fund�s portfolio and is deducted from the income received by the funds.

• GuardBank Growth Fund
• GuardBank Prosperity Fund
• GuardBank Stability Fund
• GuardBank Industrial Fund
• GuardBank Resources Fund
• GuardBank Capital Focus Fund
• GuardBank Income Fund

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